Car Insurance for Convicted Drivers
Published On Mar 28, 2023 10:00 AM By InsuranceDekho
Car Insurance for Convicted Drivers
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If you have recently been convicted of a traffic offence, you may be wondering if it is possible to purchase car insurance for convicted drivers. Fortunately, you can purchase convicted driver's car insurance if you meet the necessary terms and conditions. Continue reading to learn how to insure your car if you are a convicted driver.
What is Car Insurance For Convicted Drivers?
Convicted driver car insurance provides coverage for anyone who has been found guilty of a driving offence for doing any major or minor traffic offence. The coverage provided under a standard car insurance policy and convicted insurance plan is the same. However, considering your driving record, criminal record and a number of convictions, some insurance companies may initially decline to provide coverage.
Importance of Car Insurance For Convicted Drivers
According to the Motor Vehicles Act of 1988, it is mandatory to purchase third-party car insurance to drive in India. As a result, if you’re found driving without a valid insurance policy, you may be penalised with a fine of Rs. 2,000 or three months imprisonment depending on the severity of the scenario.
Furthermore, mishaps can happen anytime and can burden you financially. Thus, if you’re protected under a comprehensive car insurance policy, you don’t have to worry about the hefty costs of damages and repair bills.
Traffic Offences by Convicted Car Drivers
Some of the major and minor traffic offences that can bring trouble during your purchase, renewal, and claim processes of car insurance are discussed below.
Major Traffic Offences
- Intoxicated Driving: If you are found driving under the influence of toxic substances such as alcohol, weed, or other drugs that hamper critical thinking is a punishable driving offence in India.
- Hit and Run: After an accident, you must report the case and help the injured to seek medical help. If you are found running away from the area of an accident without doing so, it would be considered a “Hit and Run Case.”
- Driving without car insurance: It is mandatory for all drivers to buy car insurance that provides coverage upto third-party liabilities. However, if during inspection you are found driving without a valid insurance plan, it will be considered a traffic offence.
- Escaping the Police: In most cases, the police show up at the scene of a significant accident to investigate the case. It is regarded as a significant crime if the accident-causing driver manages to avoid the police within this time.
Minor Traffic Offences
- Overspeeding and racing the car is considered a punishable offence.
- You may have to pay a fine for jumping the red light.
- Driving without a PUC certificate in the car is a traffic offence.
- Disobedience to traffic laws is a crime under Indian Motors Act.
How Can Convicted Drivers Purchase Affordable Car Insurance?
After being found guilty of any traffic offence, purchasing car insurance may be challenging, but it is not impossible. If you are a convicted driver, you must keep the following points in mind while purchasing a car insurance policy.
- Compare Plans: There are numerous car insurance companies that provide insurance plans at different premiums and types of coverage. Therefore, it is suggested to compare different plans online and choose the one that suits your needs.
- Get Quotes From Insurers: If you need more information on chosen plans, you can contact the insurer directly at their helpline number. You can also reach the customer service of InsuranceDekho to get personalized advice and the best car insurance quotes.
- Upgrade the Car Security: You can reduce the possibility of your car being stolen by installing security mechanisms. Therefore, to keep your car secure, install anti-theft equipment certified by the Insurance Regulatory and Development Authority of India (IRDAI). If the insurer is pleased with your realistic approach, they might reduce the rate for your comprehensive car insurance policy.
Car insurance is an important tool that keeps you protected against third-party liabilities and own-vehicle damages. However, if you have a past history of committing continuous traffic offenses, car insurance companies may deny providing you coverage. Therefore, it is wise to follow traffic rules and engage in safe driving practices.